by Ed Hinerman | Dec 1, 2009 | bipolar disorder, insurance, life insurance
I’m as guilty as anyone on this. I go to the doctor and they tell me what’s wrong and what to do about it. I go home and decide that either I’ve got a better idea or at least a cheaper one, so I modify the treatment plan and go on with life....
by Ed Hinerman | Nov 11, 2009 | bipolar, bipolar disorder, Independent agent, insurance, life insurance
This is a theme I have pounded on for some time. There are the obvious cases where, for instance, someone with bipolar disorder who goes to their Farmers insurance agent should not expect a good outcome. Wrong agent with the wrong company. In that case there is no...
by Ed Hinerman | Nov 3, 2009 | bipolar disorder, insurance, life insurance
Once upon a time life insurance underwriting wasn’t as cut and dried, and frankly brutal, as it is today. There was room for flexibility and negotiation and even compassion when working with underwriters. That was way back then….about 4 years ago....
by Ed Hinerman | Oct 26, 2009 | bipolar, bipolar disorder, insurance, life insurance
I’ve talked recently about the United of Omaha “Fit test” crediting program where a person’s health habits and lifestyle can help reduce the price of their life insurance. Well, they bowled a strike on a bipolar disorder term insurance case I...
by Ed Hinerman | Oct 12, 2009 | bipolar disorder, insurance, life insurance
I recently came across a new underwriting twist that would apply primarily to mood disorders such as chronic depression and bipolar disorder, viewing a medication change as a negative event. No doubt there are times when a medication change does accompany a downward...
by Ed Hinerman | Aug 31, 2009 | bipolar disorder, insurance, life insurance
Another bipolar disorder success today. A client I have been working with who applied with State Farm and USAA and received highly rated offers from both was able to get a standard rate through one of our better carriers, more than cutting in half his potential life...
by Ed Hinerman | Aug 28, 2009 | bipolar disorder, insurance, life insurance
With life insurance underwriting of bipolar disorder we have been very successful in placing affordable policies with clients who meet some basic criteria that I’ve shared a number of times. In this list is implied stability, stability, stability. 1. Someone who...
by Ed Hinerman | Aug 19, 2009 | bipolar disorder, Depression, insurance, life insurance
I’ve written a lot about mood disorders, especially depression over the years. The truth is that depending on the life insurance company, any particular disorder can have an underwriting reaction that can vary all the way from preferred rate classes to declines....
by Ed Hinerman | Aug 12, 2009 | bipolar disorder, insurance, life insurance
Back “in the day” families had an insurance agent. It really didn’t matter what type of insurance they needed. If they wanted auto, homeowners, health, life, disability income or anything else, they went to the family agent. In most cases the agent...
by Ed Hinerman | Jul 24, 2009 | bipolar disorder, insurance, life insurance
We have come a long way in the past few years in finding the right companies with the right underwriters to be able to truly reach out and help those with bipolar disorder get affordable life insurance. We will likely never get to the point of being able to help those...
by Ed Hinerman | Jul 14, 2009 | bipolar disorder, Depression, insurance, life insurance
Some life insurance underwriters are easily frightened. It really seems they are too busy “underwriting” to really study the cases they are considering and when they are drawn out of their comfort zone, well, they just go screaming into the dark. I wrote...
by Ed Hinerman | Jul 8, 2009 | bipolar, bipolar disorder, insurance, life insurance
To be completely candid and fair when I write about life insurance and mood disorders, mostly bipolar disorder, I have always included a kind of check list on what underwriters do and don’t want to see. I do this……. 1. Someone who has not been...
by Ed Hinerman | Jun 29, 2009 | bipolar disorder, insurance, life insurance
Just recently I was helping a client with bipolar disorder get life insurance for his young family. He had been declined before and told me that he wanted $500,000 of term insurance. After shopping the case we got an offer of potential preferred best rates from one...
by Ed Hinerman | Jun 17, 2009 | Anxiety, bipolar disorder, Depression, insurance, life insurance
You know what really is great about being able to get good rates and place policies in force for those with bipolar disorder? The families are so grateful because of all they’ve been through with the demeaning treatment and declines they have received at the...
by Ed Hinerman | Jun 10, 2009 | bipolar disorder
With all the work and research we’ve done over the past few years concerning mood disorders and especially bipolar disorder I have run across few resources that would even remotely compare to Julie Fast’s Bipolar Happens website. Julie’s story of her...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
Recent Comments